The real story with this bill is that you had a tragedy occur that disrupted refiners and laid bare that the U.S. is dependent on this consolidated industry and, in a couple weeks, the industry was able to get a bill in the House and get the Congress to actually vote for it,
I had a couple come in with a negative amortization mortgage on a house that costs way too much relative to their income. They're consuming real estate, not investing in it.